Get rid of credit card debt before you go bankrupt When is it a smart idea to look into a credit card debt relief program as a means of credit card debt reduction. For a lot of people it is when you finally see the light that paying just the minimum payments every thirty days is going to get you no where and you might end up paying back a little over 8 times the current balance in interest alone. For the rest it is when they can't afford even to budget those monthly payments and relinquish that a bankruptcy hearing is the only process that can help them resolve what has turned out to be a unholy mess of a situation. Locating a worthy debt resolution is something we will all be benefiting from.... 06-06-2009 Tags credit card debt, credit card debt reduction, credit card debt relief, debt relief program, debt resolution, unholy mess